SPRING VALLEY BANK
SPRING VALLEY BANK is an FDIC-insured commercial bank headquartered in WYOMING, OH, established in 1997. As of , the bank reported total assets of $118M and total deposits of $72M. Profitability stands at 3.09% ROA and 9.21% ROE, with a net interest margin of 5.83%. CET1 capital ratio: 33.64%, well above regulatory minimums. NPL ratio: 0.11% · Texas Ratio: 0.30%. Operates 1 domestic branch.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Spring Valley Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 33.64% | 3.09% | 0.11% | 0.30% | 5.83% |
| 2025-09-30 | 33.46% | 3.86% | 0.19% | 0.51% | 6.29% |
| 2025-06-30 | 34.74% | 2.67% | 0.77% | 1.96% | 5.25% |
| 2025-03-31 | 33.61% | 3.50% | 0.82% | 2.02% | 5.22% |
| 2024-12-31 | 35.67% | 2.93% | 0.93% | 2.26% | 5.56% |
| 2024-09-30 | 34.08% | 4.03% | 0.47% | 1.21% | 6.00% |
| 2024-06-30 | 35.32% | 3.28% | 0.30% | 0.72% | 5.59% |
| 2024-03-31 | 36.41% | 4.01% | 0.78% | 1.82% | 5.62% |
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Frequently asked about SPRING VALLEY BANK
What are Spring Valley Bank's total assets?
As of the Q4 2025 filing, Spring Valley Bank reported total assets of $118.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Spring Valley Bank headquartered?
Spring Valley Bank is headquartered in WYOMING, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Spring Valley Bank founded?
Spring Valley Bank was established in 1997, per the FDIC institution directory.
Is Spring Valley Bank FDIC-insured?
Yes. Spring Valley Bank is an FDIC-insured commercial bank (FDIC Certificate #34386). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spring Valley Bank?
Spring Valley Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Spring Valley Bank's CET1 capital ratio?
Spring Valley Bank reported a Common Equity Tier 1 (CET1) capital ratio of 33.64% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Spring Valley Bank operate?
Spring Valley Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Spring Valley Bank's Texas Ratio?
Spring Valley Bank's Texas Ratio is 0.30% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.